Tools · Run the numbers
Debt-to-income (DTI)
Front-end and back-end DTI from your income, the proposed housing payment, and your other debts.
Debt-to-income is the number lenders lean on hardest. Front-end is housing alone; back-end adds your other monthly debts. Lower is roomier.
Back-end DTI
40.0%
Workable
These bands are a general read, not program limits — approval ceilings vary by loan type. See what each program allows in the affordability calculator.
Estimates only — not a quote, pre-approval, or offer of credit. Your actual terms come from a lender's Loan Estimate. Lenders calculate DTI from documented income and the debts on your credit report, which can differ from what you enter here.
Terms on this page
- Debt-to-income ratio (DTI)Your monthly debt payments divided by gross monthly income; lenders use it to judge what you can afford.
- PITIThe four parts of a typical payment: principal, interest, taxes, insurance.
- Pre-approvalA lender's written, conditional statement that you qualify for a loan amount based on verified income, assets, and credit — not a commitment to lend; final approval depends on the property and underwriting.
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